Our Resources

We understand the process of researching in-home assistance can seem very confusing and overwhelming. Below you will find some resources to assist one with the cost of home care services in order to help take the stress out of your decisions.

Commercial Health Insurance Policies generally cover some home care services for acute needs, but benefits for long-term services vary from plan to plan. Commercial insurers generally pay for skilled professional home care services with a cost-sharing provision. Such policies occasionally cover personal care services.

Long Term Care Insurance Policies can also be used to finance home care or facility care. Most policies have separate limits for facility and home care, but even policies issued in the early 1980's offer home care benefits.

Veterans Benefits are another valuable way to afford home care services. There is a benefit known as Aid and Attendance which is available to Veterans and their spouses. Eligibility is determined based on service during a declared war period, income limitations, liquid asset limits and a physician's confirmation that assistance and care are medically needed due to a non service-connected medical conditional.

Reverse Mortgages are increasingly being used, and worth exploring for many seniors. Generally, these allow up to 50% of the house value to be borrowed with repayment deferred until the house is sold. It's effectively a way to take equity out of a home without having to make monthly payments.

*At Compassionate Care Home Health, we offer knowledgeable staff to assist with understanding their insurance coverage and applying for benefits they are entitled to.*